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Rewards Credit Card

Earn reward points on eligible purchases you make

The credit card that rewards you when you shop. Collect reward points, then use the Mastercard Pay with Rewards app to put your points towards purchases. Representative 21.9% APR (variable).

Balance transfers need to be done in the first 60 days to get 6 months at 0% interest. A 2% fee applies per balance transferred, minimum £5.

Credit is subject to status, affordability and terms and conditions. Please read the important documents before applying.

Representative example

Purchase rate21.9% p.a. (variable)

Representative21.9% APR (variable)

Based on an assumed credit limit of £1,200

Rewards Credit Card

Key benefits

Pay with reward points

Use reward points for everyday purchases wherever your card is accepted, in-store or online.

0% interest on purchases

0% interest on purchases for 6 months1 from account opening. For new HSBC credit card customers only2.

0% interest on balance transfers

0% interest for 6 months1 on balance transfers made within 60 days of account opening3. A 2% fee applies for each balance transferred, minimum £5.

Your Rewards Credit Card also comes with

  • Introductory points

    Get 2,500 welcome points worth £25 when you make your first transaction on your card.

  • Bonus points

    Get another 2,500 bonus points when you spend4 £10,000+ on your card in the first year. You can earn these anniversary points5 in each of the first 5 years you have your card. They're paid on the anniversary of when you opened your account.

  • Earn rewards as you spend

    Get reward points as you use your card, then spend them on shopping, travel and much more.

  • Use your credit card abroad

    You can use your HSBC credit card in all countries and regions supported by the Visa and Mastercard networks. Fees apply, and non-HSBC cash machines may also charge a fee.

Start application

Please read the important documents before applying.

Who can apply?

You can apply if you:

  • are over 18
  • are a UK resident
  • have an annual income or pension before tax of £6,800 or more
  • hold an HSBC Advance Account or hold an HSBC Bank Account or HSBC Premier Account, and have paid a total of £1750 a month into your account over the last 6 months. This total can't include money transferred from other sole or joint personal accounts held with HSBC UK

Already an HSBC customer?

If you're registered for online banking, you can apply now. You'll be able to see your pre-filled application form, submit it, and get an instant decision.

Not registered for online banking?

It's quick and easy to register. Once you've registered, you'll be able to log on and apply for this card, as well as manage all your HSBC accounts.

Prefer to apply in a branch?

It’s usually easiest to apply online, but if you need support, visit one of our branches and we’ll help you with your application.

Please bring your mobile phone with you (or a similar device, like a tablet) if you have one.

Important documents

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Additional information

1. At the end of any promotional period, balance transfers and purchases will revert to the standard variable rate.

2. Introductory rates only apply if you haven't held an HSBC credit card within the last 6 months.

3. Balances can’t be transferred from all cards, for example those issued by other members of the HSBC Group including first direct, M&S Bank and John Lewis Financial Services Ltd.

4. Eligible spend excludes ATM cash withdrawals, cash advances or cash related payments, balance transfer transactions, tax payment transactions, or any fees or charges incurred through using your credit card.

5. To get these anniversary points every year, you’ll need to make £10,000+ worth of eligible spending in a 12 month period (starts from the date you opened this credit card account).

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